Mutual Work Comp Solutions, LLC v. BaronHR, LLC

CourtDistrict Court, E.D. Tennessee
DecidedJuly 25, 2025
Docket3:23-cv-00223
StatusUnknown

This text of Mutual Work Comp Solutions, LLC v. BaronHR, LLC (Mutual Work Comp Solutions, LLC v. BaronHR, LLC) is published on Counsel Stack Legal Research, covering District Court, E.D. Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Mutual Work Comp Solutions, LLC v. BaronHR, LLC, (E.D. Tenn. 2025).

Opinion

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF TENNESSEE AT KNOXVILLE

MUTUAL WORK COMP SOLUTIONS, LLC, ) ) Plaintiff, ) ) v. ) No. 3:23-CV-223-CEA-JEM ) BARONHR, LLC, ) BARONHR WEST, INC., ) HUNTER STAFFING, INC., ) BARONHR HOSPITALITY, LLC, ) BARON TRANSPORT, LLC, ) LEGENDARY STAFFING, INC., ) LUIS E. PEREZ, and ) GUNNIN INSURANCE & RISK ) MANAGEMENT SERVICES, INC., ) ) Defendants. )

REPORT AND RECOMMENDATION This case is before the undersigned pursuant to 28 U.S.C. § 636 and the Rules of this Court. Now before the Court is Plaintiff’s Motion for Default Judgment [Doc. 103], which District Judge Charles E. Atchley has referred to the undersigned for report and recommendation [Doc. 115]. On June 4, 2025, the Court ordered the parties to appear before the undersigned on June 18, 2025 [Doc. 137]. The Court instructed Plaintiff to be prepared to address the sufficiency of its allegations and damages [Id.]. The Court also directed the Clerk’s Office to mail the Order to Defendants at their last-known addresses [Id.]. On June 18, 2025, Attorney Brian Quist appeared on behalf of Plaintiff. Attorney Sarah Matthews appeared on behalf of Defendant Gunnin Insurance & Risk Management Services, Inc. Defendants BaronHR, LLC, BaronHR, West, Inc., Hunter Staffing, Inc., BaronHR Hospitality, LLC, BaronTransport, LLC, Legendary Staffing, Inc., (“the Baron Entities”) and Luis E. Perez (collectively, “the Baron Defendants”) did not appear. Following the hearing, Plaintiff filed additional materials in support of its motion [Doc. 141]. For the reasons more fully explained below, the Court recommends that the District Judge GRANT IN PART AND DENY IN PART Plaintiff’s motion [Doc. 103].

I. BACKGROUND A. Allegations in the Amended Complaint Plaintiff is an administrative service organization (“ASO”), which provides risk and claims management services, facilitates workers’ compensation coverage, and procures workers’ compensation insurance for employers [Doc. 17 ¶ 17]. The Baron Entities are employee staffing companies; they provide employees to work for its clients on a temporary or permanent basis [Id. ¶ 16]. Defendant Gunnin is an insurance brokerage firm owned by Valerie Gunnin (“Ms. Gunnin”), who holds herself out to be an expert in workers’ compensation insurance [Id. ¶ 80]. In April 2021, the Baron Entities authorized Ms. Gunnin to contact INVO PEO, Inc. (a company related to Plaintiff) regarding administrative services and workers’ compensation

coverage [Id. ¶ 18]. Defendant Gunnin provided Plaintiff with data about the Baron Entities and handled their negotiations on invoices, rates, contracts, necessary information, payroll data, and reasons for non-payment [Id. ¶ 19]. The Baron Entities each agreed to receive services from Plaintiff and signed “ASO Agreements” [Id. ¶¶ 21–32]. Defendant Perez personally guaranteed the obligations of each Baron Entity under each Agreement [Id. ¶¶ 35–36]. Five of the Baron Entities entered ASO Agreements in August 2021, the last one in March 2022 [Id. ¶¶ 27–32]. The Baron Entities registered the employees covered by the ASO Agreements for whom Plaintiff would procure workers’ compensation insurance [Id. ¶ 22]. Under the agreements, the Baron Entities were obligated to “submit required payroll data” in the format designated by Plaintiff; to procure and maintain separately obtained workers’ compensation coverage for any non-covered employee; pay for services provided by Plaintiff, based upon reports requested by Plaintiff; pay Plaintiff for the ASO services; pay amounts due and owing from any audits within thirty days of receipt of such invoice; cooperate in any audits and timely furnish all

books and records to verify payroll; and dispute any invoices within ten days of receipt [Id. ¶ 34]. By September 2022, the Baron Entities fell behind on their payments to Plaintiff [Id. ¶ 37]. In October, Plaintiff agreed to a “workout plan” after numerous discussions [Id. ¶¶ 38, 83]. The Baron Entities executed a promissory note, agreeing to pay the unpaid invoices and to stay current on future invoices [Id. ¶ 38]. This plan failed, so in November 2022, the Baron Entities executed a new promissory note, superseding the first [Id. ¶ 39]. This plan failed too; on January 20, 2023, the Baron Entities executed the “Third Baron Note” (or “the Note”), superseding the first and second promissory notes [Id. ¶ 40]. Defendant Perez personally guaranteed the Baron Entities’ obligations under the Note [Id. ¶ 41]. While the Baron Entities did make some payment to Plaintiff under the Third

Baron Note, they failed to make the $100,000 weekly payments due May 12, 2023, and May 19, 2023, rendering them in default under the Third Baron Note as of May 12, 2023 [Id. ¶ 44]. All unpaid payments were accelerated and became due at that time [Id.]. As of May 12, 2023, the unpaid principal balance was $3,525,504.63 [Id.]. Due to “innumerable breaches,” Plaintiff terminated the ASO Agreements effective May 8, 2023 [Id. ¶ 79]. The Third Baron Note captured various unpaid invoices and obligations due under the Baron ASO Agreements [Id. ¶ 45]. The “Post-Third-Baron-Note Obligations” include “invoices for continued ASO Services, required reimbursements expressly authorized by the ASO Agreements, and other reimbursements for Plaintiff’s increased costs due to breach of the [] Agreements” by the Baron Entities [Id. ¶ 46]. The Amended Complaint attaches ledgers of each Baron Entity’s account with Plaintiff for its obligations as of July 11, 2023, which shows “various unpaid invoices for ASO Services and related obligations that were sent . . . as well as the application of certain credits” [Id. ¶¶ 47, 49, 51, 53, 55 & 57]. Their obligations “continue and

additional money owed . . . will be shown” [Id.]. As noted, pursuant to the ASO Agreements, “each Baron Entity [would] register[] with Plaintiff those employees who were to be accepted by Plaintiff and then covered by the ASO Agreements and applicable workers’ compensation insurance procured by Plaintiff” (“covered employees”) [Id. ¶ 22]. Plaintiff would then place the “covered employees” on one policy through Plaintiff’s insurer, SUNZ Insurance Company (“SUNZ”) [Id.]. Through this arrangement, Plaintiff leverages purchasing power to pass savings on to its customers like the Baron Entities [Id.]. Under the ASO Agreements, the Baron Entities were required to submit, “on a regular basis, accurate payroll reports for their [c]overed [e]mployees in the format Plaintiff required . . . or directed” [Id. ¶ 24]. According to Plaintiff, “accurate” information would “include[] properly classifying

each [c]overed [e]mployee by work classification because some classifications bear a higher workers’ compensation premium rate and state assessment rate” [Id.]. SUNZ would use the payroll reports to determine how much to charge Plaintiff for premiums and state assessments that Plaintiff would owe to SUNZ [Id. ¶ 25]. Plaintiff used the reports to “calculate each Baron Entity’s premium and state assessment obligation to Plaintiff[,]” and Plaintiff would “invoice[] each Baron Entity, . . . determine the identity of the [c]overed [e]mployees for the processing and administering of any workers’ compensation claims for those [c]overed [e]mployees, and assist . . . Plaintiff in addressing any audit by SUNZ of the Baron Entities’ payrolls” [Id. ¶ 26]. On March 30, 2023, Plaintiff learned of the results from an audit conducted by SUNZ for the policy period October 1, 2021, to October 1, 2022 (“the First SUNZ Audit”) [Id. ¶ 59]. Two Baron Entities—BaronHR West and Legendary Staffing—had underreported the quantity of employees or their compensation and misclassified employees [Id. ¶¶ 59–60]. The result was that

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Mutual Work Comp Solutions, LLC v. BaronHR, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mutual-work-comp-solutions-llc-v-baronhr-llc-tned-2025.